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None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Sterling Investment Management invest in?","answer":"At the end of its last fiscal year, Sterling Investment Management’s separately managed accounts held 47% exchange-traded equities, 16% investment grade corporate bonds, 15% U.S. government and agency bonds, 13% registered funds (mutual funds, ETFs, BDCs), 5% high-yield corporate bonds and 4% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Sterling Investment Management?","answer":"Sterling Investment Management’s direct owners are John Payne (75% or more), Crystal Kelly (5% to 10%) and Arumayta Arguello (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 18 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Sterling Investment Management get paid?","answer":"Sterling Investment Management is paid through a percentage of assets under management and hourly charges. 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